Customer Journey Expert Cards – Retail Payments

REQ-10112131
29/05/2026
Customer Journey
Amsterdam, Netherlands
€4.596,95 - €7.460,78
ING Bank

Apply now

Debit and credit cards are at the heart of how people pay—every day, everywhere. At ING, cards are not just a utility; they are a key growth driver within Retail Payments. Customer expectations are rising fast, and we are investing heavily in smarter, simpler, and more valuable card experiences to create value for customers and drive our commercial performance.

As aCustomer Journey Expert (CJE) Cards, you take responsibility for improving meaningful parts of the debit and credit card journey across countries. You translate customer needs, data insights, and business goals into concrete features and improvements.  You make impact: shaping propositions,prioritisingimprovements, and translating customer and business needs into changes customers notice.

Roles and Responsibilities
This roleisin thelife cyclemanagementteamoftheCardsAreawhere weown andimproveallcustomerjourneyse.g.issuingthecards (physical and virtual), activating,changinglimitsetc..AsaCJEyouarepart ofthe CJEteam andona dailybasisyouwork inoneof the feature squadsonspecificjourneys.Asthelife cyclemanagementteamweworkcloselytogetherwith theCardSalesteamandthe CardsTransactionsteam.

You own and improve specific card journeys or featuresend‑to‑end: from understanding customer needs and commercial goals, to shaping solutions and bringing them live. You collaborate closely with engineers, risk, designers, and stakeholders.You balance customer experience, commercial impact, and feasibility, and you help the team make clear choices in a complexpayments’environment. Over time, you expand your scope and influence across larger parts of the card domain.

What you will be doing

Take ownership of parts of the debit and credit card journey and actively improve them.

Turn customer insights, data, and businessobjectivesinto clear product choices.

Shape features and improvements from earlyideato launch, ensuring real customer value.

Work closely with engineers to bring solutions to life

Collaborate with stakeholders, including card schemes and external partners.

How to succeed
We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious. Keep learning. Take on responsibility. In return, we’ll back you to develop into an even more awesome version of yourself.

You deliver card improvements that are clear, valuable, and widely used by customers. Stakeholders trust your judgment, your structure, and your ability to move things forward. You are initiative-taking, take responsibility for outcomes, and steadily grow your impact across thecard’sdomain.This role isnotabout deep technical design or system ownership—it is about shapingandmaintaininggreat card experiences.

Have3–5 years of hands-on experience in banking, payments, card products, or digital product developmentwithin a complex organization.

Possess a solid understanding ofcard journeys, the cards ecosystem, and customer behavior,and are eager to deepen thisexpertise.

Bring experience inproduct development,productownership, customer journey optimization, or digital channels.

Balance a strong customer focus with a data-driven mindset, using insights to drive decisions in a complex, regulated environment.

Communicate clearly, collaborate across teams, and take ownership with a proactive, pragmatic, and “make it happen” mindset.

Are fluent inEnglish and Dutch.

What you will get

Ownershipof high-impact card journeysused by millions.

Work on products that matter togetherwith highly skilled professionalsin a collaborative, agile environment.

Growth towardsSenior CJE roles, Product Lead or Payments leadership.

Rewards and benefits
We want to make sure that it’s possible for you to strike the right balance between your career and your private life. Find out more about our employment conditions.

The benefits of working with us at ING include:

25-28 vacation days depending on contract
Pension scheme
13th month salary
8% Holiday payment
Hybrid working
Personal growth and challenging work with endless possibilities
An informal working environment with innovative colleagues

About us
Curious about how ING empowers people and businesses to move forward?

Discover what we do and what we can offer you.

Questions?
Please visit our Frequently Asked Questions section to find some answers on questions you might have.

Contact the recruiter attached to the advertisement. Want to apply directly? Please upload your CV and motivation letter by clicking the ‘Apply’ button.

Working at ING in The Netherlands

Apply now

Your place of work Explore the area

Questions? Just ask
Fabian Nagy

Ask by email

Apply now

ING’s vision is to unlock our people’s full potential through our inclusive culture where everyone has the opportunity to develop and have impact for our customers and society. To achieve this vision, our policies support diversity, equity, and inclusion. As an equal opportunity employer, we do not tolerate discrimination of any kind with regard to age, gender, gender identity, cultural background, experience, religion, race, ethnicity, disability, family responsibilities, sexual orientation, social origin, or any other status protected by applicable law. If you require any assistance or if we can accommodate you in any way when participating in our application and/or interview process, please email the recruiting contact listed for the relevant position. We will be happy to work with you to ensure a fair and accessible process. Read more about our commitment to diversity, inclusion and belonging here.